Affordable Dental Insurance Plans in Kentucky
Affordable Dental Insurance Plans in Kentucky
Dental insurance works the same way as health insurance does. In other words, as in the case of general health insurance, you can choose from indemnity and managed care plans for your dental needs. While many employers now offer their staff dental coverage, individuals who are not covered at the workplace can also get affordable dental insurance.
Affordable Dental Insurance Options for Kentucky Residents
Keeping you smile healthy is not as simple as it sounds. Professional dental care and treatment is expensive. So whether you are looking for individual or group dental insurance coverage you need to find an affordable dental insurance plan. Kentucky residents can choose from indemnity and managed care plans.
Indemnity plans offer a broader selection of dental care providers than managed-care plans, but mean higher out-of-pocket costs.
In managed-care plans, dentists participating in provider networks provide treatment at pre-negotiated rates.
When you buy a dental insurance plan, you pay a monthly premium that entitles you to care that includes basic dental treatment, x-rays, cleanings, regular checkups, and certain services that promote general dental health. Some plans cover even dental surgery, denture work, orthodontia, and other expensive dental procedures.
Affordable dental insurance plans for Kentucky residents include the following benefits:
Choice of dentist with discounts for in-network dentists
Coverage with dentists both in and outside the network
Coverage for most-used services plus choice of dentist
Coverage of in-network services only, with stress on preventive care
Cost-effective plans with emphasis on prevention
Some insurance companies like Humana One have health insurance plans that include dental insurance, but also offer independent individual dental plans. Anthem Blue Cross Blue Shield offers plans offering full coverage for diagnostic and preventive care as well as a fixed amount for basic and major dental services with providers in the company's network. Many compnaies offer the option to add dental to your general health insurance plan.
Buying Dental Insurance
When you buy a dental insurance plan, make sure that you know what benefits you are getting. The best way to understand the fine print is to contact a reliable insurance agent representing insurance companies that offer affordable dental insurance plans in Kentucky. Visit the agent website to get free quotes and expert guidance on all your dental insurance needs.
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